Might not be the answer you want to hear, but it's the truth. If you can not deal with the ambiguity of not being covered for long term illness by insurance, entrepreneurship is likely not for you.
No, it's not the truth. There is absolutely nothing correlating entrepreneurship with not being able to insure yourself or your family. The only reason that is right now is because the startup culture is filled with 20 somethings right out of school, and no one wants to change that.